Senior Compliance Analyst

TD Bank

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Senior Compliance Analyst - Consumer Product Regulations

Mount Laurel, NJ

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Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$72,280 - $117,520 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Compliance

Job Description:

Why Work with Us?

At TD Bank US Compliance, we're on a mission to build a more resilient and scalable compliance risk management function. As part of our team, you'll play a key role in reshaping compliance structures and processes, driving innovation at every level. Here, each team member has a chance to make a tangible impact - both in day-to-day operations and in the design of a future-focused compliance program. This not just about implementing a new program - it's about creating a culture of compliance that will cascade throughout the organization.

The Ideal Candidate

The ideal candidate will thrive in a fast-paced, start-up-like setting as we build a new compliance structure that aligns with the bank's size, complexity, and risk profile. In this role, you'll need to be strategic, tactical, collaborative and creative in your approach. You will manage day-to-day operations while also helping design and implement a forward-thinking compliance program for the future.

Beyond technical expertise, we're looking for someone with an entrepreneurial mindsetsomeone who can "roll up their sleeves", takes the initiative and can anticipate needs before they arise. A comfort level with ambiguity and the ability to excel in a dynamic, evolving landscape are essential as the US Compliance team redefines the bank's compliance program and structure.

Most importantly, the right candidate is seeking an intellectual challenge, has a desire to learn, and is committed to building something impactful from the ground up. At TD Bank, you'll have the unique opportunity to help shape the future of the bank while collaborating with a team of enthusiastic colleagues dedicated to setting new industry standards.

The Senior Compliance Business Oversight Analyst provides objective guidance, support and advice to assigned portfolio, business, or function to promote strong Compliance controls and processes are in effect to mitigate inherent associated risks. This role contributes to the development and implementation of Compliance programs related to all aspects of Compliance laws.

Depth & Scope:

Expected to exercise sound and expert independent professional judgment and discretion in interacting and communicating with staff and senior management of the Bank with respect to significant regulatory compliance risk matters.

Empowered to make prudent professional decisions in rendering advice and counsel to business lines or assigned areas, on compliance matters and regulatory risks which may impact performance of the business and overall enterprise strategies and objectives.

Expert level professional role requiring in-depth knowledge/expertise in Compliance and working knowledge of broader related areas

Provides advanced analysis and/or specialized reporting to support business partners, functional areas or centers of expertise

Research, review and maintain expertise on banking regulations and laws, banking policies and procedures, and consumer protection laws

Acts as the primary subject matter expert for regulations applicable to business partners and provides guidance, consultation and expert advice with respect to the business partners' compliance with such regulations directly related to the operations of the business

Creates training content and may train business partners on regulatory requirements

Advises the business with respect to the implementation of new and amended regulatory requirements

Independently reviews and utilizes discretion, judgement and specialized expertise in approving the documentation for business line use: disclosures; forms; customer-facing correspondence; operating procedures; and policies

Independently performs targeted and periodic monitoring of business activities for compliance with regulatory requirements and regulator expectation

Identifies and communicates areas of non-compliance and/or material control weaknesses

Responsible for the oversight of business partners' remediation of regulatory issues, including exercising discretion and independent judgment in reviewing and approving remediation action plans

Responsible for assessing regulatory risk associated with new products, services and other initiatives that have significant operational or financial impact

Integrates the broader organizational context into advice and solutions within the Compliance area

Understands the industry, competition and the factors that differentiate the organization

Leads projects of moderately to complex risks and resource requirements; may lead end-to-end processes or functional programs

Contact for business management, external/internal auditors, dealing with non-routine information

Recommends and implements solutions within own area of responsibility

May need to coordinate/integrate work with other areas as needed

Identifies and leads problem resolution for complex requirements related issues at all levels

Education & Experience:

Undergraduate degree preferred or equivalent work experience

5+ years relevant experience

Preferred Skills:

Previous QA/QC testing and/or audit work experience

Risk management environment, standards and regulations work experience.

A SME around consumer banking Regulations (ex. Reg CC, Reg E, Reg DD, Reg Z)

Knowledge of current and emerging trends

Skill in using advanced analytical software tools, data analysis methods and specialized reporting techniques

Skill in using computer applications including MS Office

Proficient knowledge of a variety of products and services, systems, and compliance advisory standards, procedures, laws, rules, regulations and controls

Ability to communicate effectively in both oral and written form

Ability to work collaboratively and build relationships

Ability to work successfully as a member of a team and independently

Ability to exercise sound judgment in making decisions

Ability to analyze, organize and prioritize work while meeting multiple deadlines

Ability to handle confidential information with discretion

Customer Accountabilities:

Assists in the development and implementation of appropriate Compliance policies, processes and controls

Facilitates the periodic Compliance risk and self-assessment activities for designated business using TD's Enterprise Compliance Risk Assessment Framework

Monitors that assessments (monitoring, risk assessment etc.) are completed and communicated in a continuous and timely fashion

Guides and complements the assigned portfolio in terms of financial, regulatory and risk management requirements

Interacts with control functions within the organization

Develops analysis and insights, prepares and delivers management reporting necessary to promote accurate and thorough measurement of the risk factors present in various products

Shareholder Accountabilities:

Updates business line policies and Compliance Team procedures

Analyzes Compliance requirements and establishes they are properly written into requirements for business projects and approved at the appropriate levels

Works directly with business management, and with internal and external business partners (e.g., Internal Audit, external consultants) to respond to regulatory requests, findings, audits and/or examinations Keeps abreast of emerging issues, trends, and evolving regulatory requirements in the Compliance industry and assesses potential impacts

Coordinates with other Compliance partners and business governance and control partners to promote consistency in the application of Compliance programs and standards across the enterprise

Supports in determining risk exposure, mitigation, and controls for new products, marketing campaigns, and expansion of existing programs

Conducts enterprise wide annual risk assessment for all TD businesses

Supports the business lines with compliance/risk controls and periodically evaluates risk mitigation efforts to adjust as risk/department influences change

Protects the interests of the organization - identifies and manages risks, and promotes the prompt and thorough resolution of escalated non-standard, high risk issues

Employee/Team Accountabilities:

Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and promotes timely communication of issues/points of interest

Provides thought leadership and or industry knowledge for own area of expertise and participates in knowledge transfer within the team and business

Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques

Participates in personal performance management and development activities, including cross training within own team

Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities

Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices

Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships.

Contributes to a fair, positive and equitable environment that supports a diverse workforce

Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

Domestic Travel - Occasional

International Travel - Never

Performing sedentary work - Continuous

Performing multiple tasks - Continuous

Operating standard office equipment - Continuous

Responding quickly to sounds - Occasional

Sitting - Continuous

Standing - Occasional

Walking - Occasional

Moving safely in confined spaces - Occasional

Lifting/Carrying (under 25 lbs.) - Occasional

Lifting/Carrying (over 25 lbs.) - Never

Squatting - Occasional

Bending - Occasional

Kneeling - Never

Crawling - Never

Climbing - Never

Reaching overhead - Never

Reaching forward - Occasional

Pushing - Never

Pulling - Never

Twisting - Never

Concentrating for long periods of time - Continuous

Applying common sense to deal with problems involving standardized situations - Continuous

Reading, writing and comprehending instructions - Continuous

Adding, subtracting, multiplying and dividing - Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

#LI_AMCBCorporate

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more (

Additional Information:

We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process

We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ... . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

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